How Reviews and Ratings Work
Did They Pay? is a nonprofit public-service program operated by Enlightened Life Fellowship Church. Patients and healthcare professionals can share experiences with private insurers, government healthcare programs, and claims/payment contractors. This page explains what our public reviews and ratings do—and do not—mean.
Who can submit a review?
Patients and healthcare professionals can review a payer without creating an account or providing their legal name or email address. Reviewers select whether they are submitting as a patient or healthcare professional and identify a claim outcome. These roles, experiences, and outcomes are self-reported, not independently verified.
Optional structured details: Reviewers may also identify the type of issue, a broad time-to-resolution range, and an appeal outcome. These selections are voluntary, self-reported, and may appear with an anonymous review. They are not verified claim-level measurements or evidence of an insurer-wide denial or payment rate. Do not enter patient information, member numbers, claim IDs, or exact medical dates.
Patient and healthcare professional review filters: Each payer profile lets you view reviews by the submitter’s self-reported role, including reviews with no stated role. Filtering changes which reviews are visible, not the payer’s overall star rating, review count or 10-review ranking threshold. A reviewer’s professional credentials are not independently verified.
What do the stars represent?
Reviewers choose a score from 1 star (poor experience) to 5 stars (excellent experience) and describe their experience. GeoDirectory calculates the payer’s displayed rating from its published rating submissions. The review count tells you how many rating submissions are included. A payer with no published reviews is not yet rated—not a zero-star or poorly rated payer.
When does a payer qualify for ranking?
A healthcare payer must have at least 10 published reviews to be eligible for highest-rated or lowest-rated sorting. Listings with fewer than 10 reviews are unranked, even if they display an average star rating. Qualified listings appear ahead of unranked listings when visitors choose a rating-based sort; unranked listings follow alphabetically. The directory opens in alphabetical order by default.
The 10-review threshold is only a minimum sample requirement for our website’s sorting feature. It is not proof that a ranking is statistically reliable, independently verified, or representative of every claim the payer processes.
When no payer meets the threshold: The directory shows organizations alphabetically and explains that no payer currently qualifies for highest-rated or lowest-rated ranking. Alphabetical display is not an equal-quality rating or a best/worst list. The “Most reviewed” option sorts by participation volume, not by verified payment performance.
What ratings cannot tell you
- They are not a payer’s verified claim approval rate, denial rate, provider-payment rate, or time-to-payment statistic.
- They are not scientific surveys or random samples; people choose whether to submit.
- They do not prove whether a claim was legally payable, clinically appropriate, or handled correctly.
- They do not establish wrongdoing or an endorsement by Did They Pay? or Enlightened Life Fellowship.
- An official website link helps identify an organization, but it does not validate an anonymous review or imply affiliation.
Programs and contractors are distinct
Different organizations can make coverage decisions, authorize care, administer claims, or issue payments. For example, a government health program may be listed separately from its contracted administrator. Review the organization that actually handled the decision or payment; an experience with one entity does not automatically describe another.
Automatic publication and safeguards
Reviews normally publish automatically after basic validation and automated spam, privacy, duplication, and rate-limit checks. They are not individually fact-checked before publication. Safeguards may block apparent abuse but cannot detect every false claim, duplicate, or private detail. Positive and negative accounts are both welcome; a report of disagreement does not automatically remove a negative review.
Privacy and correcting problems
Do not publish patient names, medical records, claim numbers, member IDs, identifying diagnoses, or other sensitive information. The Report a Review or Privacy Concern page provides a separate no-license privacy/safety alert for exposed personal information and a mandatory-agreement form for routine insurer challenges. The routine complaint form is the designated channel for routine complaints seeking correction or removal of reviews, ratings, or payer listings, and requires affirmative agreement to the correspondence-rights terms. Routine complaints outside that process are not accepted as routine submissions. Legally effective notices, formal service of process, copyright claims, and urgent privacy or safety concerns follow separate applicable procedures and are not invalidated by the routine form rule. Read Legal Notices & Formal Process, our Review Guidelines, Privacy Policy, and Terms of Use.